Let's Get You
Into Your Dream Home.
Whether you're a first-time buyer or upgrading to your next home, I'll find the right loan program, walk you through every step, and get you to closing — without the stress or confusion.
Find the Right Loan
for Your Situation
Not every buyer is the same, and not every loan should be. I'll match you to the program that makes the most sense for your credit, down payment, and goals.
Conventional Loan
The gold standard for buyers with solid credit and a stable income. Low mortgage insurance options and competitive rates make this the go-to for most Utah home buyers.
- As little as 3–5% down payment
- No PMI once you reach 20% equity
- Flexible loan terms: 10, 15, 20, or 30 years
- Best rates for credit scores 700+
FHA Loan
Backed by the federal government, FHA loans are designed for buyers who are building their credit history or have a smaller down payment saved up.
- Down payment as low as 3.5%
- Qualifying credit scores starting at 580
- More flexible debt-to-income guidelines
- Great bridge to conventional once equity builds
VA Loan
If you've served our country, you've earned one of the best mortgage programs available. VA loans offer exceptional benefits that no conventional loan can match.
- Zero down payment required
- No private mortgage insurance (PMI)
- Highly competitive interest rates
- More lenient credit requirements
🏠 First-Time Buyer in Utah?
You may qualify for Utah Housing Corporation programs and down payment assistance that can significantly reduce your upfront costs — even in a competitive market. Many first-time buyers are surprised how much help is available to them.
"Nick made us feel confident every step of the way. We closed on our first home and it was seamless."
Your Advocate
From Start to Keys.
Buying a home is one of the biggest financial decisions you'll ever make. I make sure you understand exactly what you're signing up for — before you sign anything.
Pre-Approval That Sellers Respect
In a competitive Utah market, your pre-approval letter matters. I provide thorough, verified pre-approvals that give sellers confidence and agents credibility when submitting your offer.
I'm Available When It Counts
Found a house on a Saturday? Offer deadline is Monday morning? I'm reachable. Mortgages don't follow business hours and neither do I when my clients need me.
I Shop the Right Lenders for You
As a mortgage broker, I'm not limited to one bank's products. I compare rates and programs across multiple lenders to find the best fit for your specific situation.
Plain English, No Surprises
I explain every number in plain English before you commit to anything. Your payment at pre-approval is the payment you'll see at closing — no last-minute surprises.
Your Path to Home Ownership
A clear, guided process — from your first question to the day you pick up your keys.
Free Discovery Call
We talk through your goals, timeline, budget, and any concerns. No credit pull, no pressure. Just clarity on what's possible and what programs might fit you best.
Pre-Approval & Strategy
I collect your documents, run your application, and issue a strong pre-approval letter. We also map out your max budget, ideal payment range, and loan strategy going into the search.
Offer & Under Contract
When you find the home, I work fast to support your offer. I'm available to write updated pre-approval letters, answer lender questions from sellers, and adjust strategy as needed.
Close & Get Your Keys
From appraisal to underwriting to final approval — my team guides every step to closing. I keep you informed throughout so you're never left wondering what's happening.
Home Buying FAQs
Honest answers to the questions Utah home buyers ask me most.
It depends on the loan type. Conventional loans start as low as 3–5% down, FHA loans require just 3.5%, and VA loans require zero down payment. Down payment assistance programs through Utah Housing may also be available to help bridge the gap. On a $450,000 home, a 5% down payment is $22,500 — and some buyers qualify for assistance that covers part or all of that. We'll figure out exactly what you need in our first conversation.
For a conventional loan, most lenders want a 620 minimum, but the best rates go to buyers with 700+. FHA loans allow scores as low as 580 with 3.5% down, or even 500 with 10% down. VA loans are more flexible and evaluated case by case. If your score isn't quite where it needs to be, I can point you toward fast ways to improve it — sometimes a few simple moves can bump a score 20-40 points within 30-60 days.
Once I have your documents — pay stubs, W-2s, tax returns, bank statements, and ID — I can typically issue a pre-approval within 24 hours. The key is having clean documentation ready. I'll send you a checklist of exactly what I need so we don't waste any time back-and-forth. In urgent situations (offer deadlines, competitive situations), I prioritize same-day pre-approvals.
Closing costs typically run 2–4% of the purchase price. On a $450,000 home, that's roughly $9,000–$18,000. These include lender fees, title insurance, recording fees, prepaid taxes and insurance, and more. In some cases, you can negotiate for the seller to cover part of your closing costs — called a seller concession — which can significantly reduce your out-of-pocket at closing. I'll walk you through a Loan Estimate before you commit to anything.
In today's Utah market, you want a full pre-approval — not just a pre-qualification. Pre-qualification is a quick estimate based on what you tell me. Pre-approval means I've verified your income, assets, and credit — and sellers take it much more seriously. In competitive situations, a strong pre-approval letter can be the difference between your offer winning or losing to another buyer at the same price.
Most purchase transactions close in 21–45 days from offer acceptance. The timeline depends on loan type (VA loans typically take a few days longer due to the VA appraisal process), how quickly your documents come together, and the seller's timeline. If you need a faster close — say, 21 days — I'll let you know upfront if it's achievable and what we'd need to do to make it happen. I don't over-promise timelines.
Ready to Start
Your Home Search?
Get pre-approved and shop with confidence. Takes 20 minutes, no commitment, no pressure — just a real conversation about what you qualify for and what your payment would look like.